your banking questions answered

When is my deposit available?

If you deposit funds before 3:00 p.m. your deposit will be available that night. Any transactions after 3:00 p.m. including online transactions, will be posted on the next business day.

Do you offer overdraft protection?

We do not currently offer an overdraft protection feature. You can however add a sweep protection to your account. Sweep protection is an automatic transfer between a checking or savings account that is set up to cover insufficient funds if needed. If your account balance drops below zero, funds are transferred from your other account to cover the insufficient funds. The fee is $3.00 per sweep transaction.

Can you view check images in your online banking?

Yes! After you are logged into your online banking, you click on the amount of the check and it will bring up the image. You can save it to your computer or print them off.

What are your wiring instructions?

Bankers Bank of Kansas: Routing # 101104805
Credit FirstOak Bank: Acct# 110820

To Further Credit:
Customer Name
Customer Address
Account Number

Is there a daily limit on my debit card?

Yes. The daily POS (point of sale) signature based debit limit on any debit card is $1000.00. The daily ATM cash withdrawal limit is $250.00. If you need your limit temporarily raised please call our customer service at (620) 331-2265 or (719) 544-2265.

Who do I call when I need to report a lost or stolen debit card?

During normal business hours, please call the Main branch @ (620) 331-2265 or Pueblo branch @ (719) 544-2265. If it is after business hours, call 1-800-500-1044.

what are some tips to best protect myself using online banking?

  • Don’t use your full or partial Social Security number as a Personal Identification Number (PIN), user ID or password.
  • Consider a screen lock on your mobile device. This can help keep your phone and information secure.
  • Don’t save your password, account number, PIN, answers to security questions or other such information on the mobile device.
  • Be careful when downloading Apps. Downloads should always be from a trusted and approved source and endorsed by your mobile device provider.
  • Install operating system updates for your device as they become available-they often include security updates.
  • Be cautious about messages you receive on social networking sites that contain links. If you are suspicious, don’t click the link. Verify the validity of the message first.
  • Make sure that your password is 8 or more characters and combines letters, numerals, and symbols. Don’t use the same user ID and password for your financial accounts as you do for other sites.
  • Install anti-malware protection for your smart phone, tablet, e-reader or any other device that has mobile access to the internet.